BlastPoint's Banking Scorecard
First National Bank
Community
Specialty: Commercial
ME
FDIC cert 4256
Damariscotta, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
First National Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23% in Community
- - Deposit Outflow: Bottom 47% in Community
- - Flatlined Growth: Bottom 49% in Community
- - Net Interest Margin 1.06% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+0.3% YoY
-1.0% QoQ
|
+$1.7B |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.4B
+2.3% YoY
-0.2% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.7B
-2.2% YoY
-2.7% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.13%
+21.6% YoY
+6.2% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
2.61%
+16.0% YoY
+3.2% QoQ
|
-1.06% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
52.34%
-8.3% YoY
-1.9% QoQ
|
-10.30% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.57%
+151.7% YoY
+22.4% QoQ
|
-0.06% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
88.86%
+4.6% YoY
+2.5% QoQ
|
+5.79% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
10.54%
-2.0% YoY
-8.3% QoQ
|
-10.51% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+148.5% YoY
+23.4% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.77%
+6.6% YoY
+3.6% QoQ
|
+2.53% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.52%
+6.7% YoY
+39.1% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#146 of 642 · Bottom 23% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#117 of 248 · Bottom 47% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#120 of 245 · Bottom 49% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.61%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
79
79th pctile
Efficiency Ratio
Current: 52.34% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.86% · Tier avg: 83.06%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.54% · Tier avg: 21.05%
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.54% · Tier avg: 21.05%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.86% · Tier avg: 83.06%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 10.24%
79
79th pctile
Efficiency Ratio
Current: 52.34% · Tier avg: 62.63%
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M